Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.37% | +0.38 | 0.99% |
| Return on Equity (%) | ▲ | 14.15% | +3.80 | 10.35% |
| Net Interest Margin (%) | ▲ | 5.22% | +0.09 | 5.13% |
| Efficiency Ratio (%) | ▲ | 73.02% | -5.58 | 78.60% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.94 | $1 |
| Cost of Funds (%) | ▲ | 1.36% | -0.30 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $478 | +30.94 | $447 |
| Gross Loans ($M) | ▲ | $343 | +19.13 | $324 |
| Loan Growth YoY (%) | ▼ | 79.32% | -0.94 | 80.26% |
| Total Deposits ($M) | ▲ | $426 | +28.52 | $398 |
| Shareholders Equity ($M) | ▲ | $46 | +2.97 | $43 |
| Tang. Book Value ($M) | ▲ | $45 | +2.99 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $47 | +2.94 | $44 |
| Loan / Deposit Ratio (%) | ▼ | 79.32% | -0.94 | 80.26% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.99% | -0.73 | 2.72% |
| Allowance / Loans (%) | — | 1.35% | -0.00% | 1.35% |
| Net Charge-Off Ratio (%) | ▲ | 1.67% | -1.13 | 2.80% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -12.18 | 12.18% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▇▇▆▅█ | Net Interest Margin (%) | 4.84% | 4.87% | 4.97% | 5.13% | 5.17% | 5.11% | 5.05% | 5.22% |
| ▇▇▁▂▆▅▁█ | Return on Assets (%) | 1.30% | 1.27% | 0.91% | 0.99% | 1.23% | 1.17% | 0.90% | 1.37% |
| ▁▁█▆▄▅█▂ | Efficiency Ratio (%) | 70.5% | 71.7% | 80.9% | 78.6% | 75.4% | 76.2% | 82.0% | 73.0% |
| █▆▅▄▅▄▂▁ | Cost of Funds (%) | 1.96% | 1.74% | 1.67% | 1.66% | 1.73% | 1.64% | 1.50% | 1.36% |
| ▃▄▃█▁▂▁▄ | NPA / Assets (%) | 1.78% | 2.01% | 1.80% | 2.72% | 1.38% | 1.52% | 1.34% | 1.99% |
| ▆▄▃█▃▄▁▃ | Net Charge-Off Ratio (%) | 2.16% | 1.77% | 1.58% | 2.80% | 1.69% | 1.83% | 1.06% | 1.67% |
| ▁▁▃▃▆▆▇█ | Tang. Book Value ($M) | $41 | $40 | $42 | $42 | $43 | $43 | $44 | $45 |
| ▁▂▂▄▅▇██ | Gross Loans ($M) | $307 | $312 | $315 | $324 | $326 | $335 | $339 | $343 |
| ▁▃▄▄▆▇▆█ | Total Deposits ($M) | $377 | $389 | $400 | $398 | $408 | $419 | $412 | $426 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 13% |